Liability Insurance Coverage - Insurer's Responsibilities

Print

Insurers issuing liability insurance policies for motor vehicles in Georgia are required to be licensed with the Georgia Insurance and Safety Fire Commissioner's Office (ICO).

Insurers issuing liability insurance polices for motor vehicles in Georgia are required to electronically report insurance information to the Georgia Electronic Insurance Compliance System (GEICS), within thirty (30) days of the date the insurance coverage is to begin. Terminations and additions or deletions of vehicles from existing policies must also be electronically reported.

For commercial vehicles registered under a commercial insurance policy, insurers must electronically report insurance information as shown in the GEICS Reporting Guide.

The insurer must first register with the Georgia Department of Revenue to  electronically transmit the required insurance information to the GEICS insurance database. To register the insurer must have a valid NAIC number.

 

GEICS Insurance Database - How it Works

Vehicle identification numbers (VIN) electronically transmitted to the GEICS insurance database by the insurers are cross-referenced with the vehicle identification numbers on the Georgia Department of Revenue's tag and title database (Georgia Registration and Title Information System - GRATIS). If the transmitted VIN matches a VIN on the tag and title database, then a valid insurance coverage indicator is placed on the vehicle's record. Law enforcement and the County motor vehicle office personnel have access to the tag and title database and can easily check the insurance status of any vehicle registered in the state of Georgia.

If the electronically transmitted VIN passes a VINA check (Vehicle Identification Number Analysis) but does not match a VIN on the tag and title database, the insurance information is re-processed for thirty (30) days before being returned to the insurer as an error. Insurers are the only ones who can add, delete or edit information on the insurance database.

 

What is a V.I.N.A.?

A Vehicle Identification Number Analysis (VINA) is a program installed on the Georgia Department of Revenue's databases that checks vehicle identification numbers (VIN) against established VIN patterns provided by vehicle manufacturers. This program identifies incorrectly entered vehicle identification numbers to help prevent vehicles from being registered and/or titled with an incorrect VIN. It also helps identify incorrectly transmitted vehicle identification numbers to the insurance database.

 

Insurance Information Cards

The insurer is required to issue insurance policy information cards to their policy holders for each vehicle they insure even for those vehicles where insurance information must be electronically transmitted into the insurance database. The insurance information card must be carried in the vehicle at all times while the vehicle is being driven.

Insurance policy information cards are no longer acceptable proof of Georgia liability insurance coverage for all vehicles except self-insured vehicles; vehicles insured under a fleet insurance policy; and vehicles registered in Georgia under the International Registration Plan (IRP). These vehicles require Georgia liability insurance coverage but are exempt from the GEICS reporting requirements.

 

Free viewers are required for some of the attached documents.
They can be downloaded by clicking on the icons below.

Acrobat Reader Flash Player QuickTime Windows Media Player Microsoft Silverlight Word Viewer Excel Viewer PowerPoint Viewer